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✓ Annual fee checked
Kotak Mahindra Bank · Card

Kotak UPI RuPay Credit Card

No Annual FeeRewards

The Kotak UPI RuPay Credit Card is a credit card from Kotak Mahindra Bank with an annual fee of ₹0. Here is what we hold on it, and what we do not.

Not every figure here is checked

Checked against a published document: annual fee (Sep 2026). Not yet checked with Kotak Mahindra Bank: credit requirement. Kotak Mahindra Bank’s own page is authoritative — confirm anything you rely on there before you apply.

Annual fee₹0per yearChecked kotak.bank.in
Welcome offerNot confirmedNot published by the issuer where we checked ()
Apply on Kotak Mahindra BankCompare this card
Opens Kotak Mahindra Bank’s site
Ledger entry

The receipt

Every cost line we hold for the Kotak UPI RuPay Credit Card, exactly as recorded.

Annual fee
₹0Checked kotak.bank.in
Supplementary card
Not confirmed
Foreign transaction
Not confirmedWe couldn't verify this · check with the issuer
Purchase APR
Not confirmedWe couldn't verify this · check with the issuer
Income requirement
Not confirmed
Network
Not confirmed
Credit needed
NoneNot yet checked with Kotak Mahindra Bank
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the Kotak UPI RuPay Credit Card. That may mean there isn’t one, or simply that we have not recorded it — Kotak Mahindra Bank’s own page is the place to check.

Not published by the issuer where we checked ()
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the Kotak UPI RuPay Credit Card. Rather than print a multiplier we cannot source, this stays blank until Kotak Mahindra Bank’s own terms give us one.

We couldn't verify this · check with the issuer
Included

Perks & benefits

Card benefits

  • Lifetime free card with no joining or annual fees
  • Link credit card to UPI apps for instant payments
  • Virtual credit card for seamless digital transactions
  • Earn 3 Reward Points per ₹100 spent on UPI and regular transactions
  • Redeem points via Kotak Rewards for mobile recharge, shopping, e-vouchers, movies, and travel
Next step

Ready to apply for the Kotak UPI RuPay Credit Card?

You'll finish the application on Kotak Mahindra Bank's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens Kotak Mahindra Bank’s site
Questions

Questions about the Kotak UPI RuPay Credit Card

How much is the Kotak UPI RuPay Credit Card annual fee?

The Kotak UPI RuPay Credit Card has an annual fee of ₹0. Weigh that against the rewards and perks you will actually use.

What does the Kotak UPI RuPay Credit Card earn?

We could not verify the Kotak UPI RuPay Credit Card's earn rates, so we do not print a multiplier. Check them on Kotak Mahindra Bank's own site.

What network is the Kotak UPI RuPay Credit Card on?

We hold no card network on record for the Kotak UPI RuPay Credit Card. The network determines where a card is accepted and which network-level benefits apply, so confirm it with Kotak Mahindra Bank before you apply.

Is the Kotak UPI RuPay Credit Card available in India?

Yes — the Kotak UPI RuPay Credit Card is issued by Kotak Mahindra Bank and is available to eligible applicants in India. Approval depends on the issuer's own credit and income criteria.

When were the Kotak UPI RuPay Credit Card figures last checked?

We checked its annual fee in September 2026, against a published document. Not yet checked with Kotak Mahindra Bank: credit requirement. Not published by Kotak Mahindra Bank where we checked: welcome offer. We could not verify, so we do not print: foreign transaction fee, purchase APR and earn rates. Check them with Kotak Mahindra Bank. Terms can change without notice, so confirm the current details with Kotak Mahindra Bank before you apply.